Quote:
Originally Posted by Agent 488
Automated Clearing House (ACH) is an electronic network for financial transactions in the United States.
http://en.wikipedia.org/wiki/Automated_Clearing_House
the Federal Reserve Banks are collectively the nation's largest automated clearinghouse operator and in 2005 processed 60% of commercial interbank ACH transactions. The Electronic Payments Network (EPN), the only private sector ACH operator in the U.S., processed the remaining 40%.
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between Jung and Fatfoo your superego might get hurt 
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